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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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EU Gender ruling (effective from December 2012) expected to affect many-some facts.


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ECJ Gender directive.

 

 

 

Background.

 

Draft Directive on Equal Treatment

 

On 2 July 2008, under its ‘Renewed Social Agenda’, the European Commission adopted a non discrimination

package including a proposal for a new directive on equal treatment. This proposal prohibits discrimination on

grounds of age, disability, sexual orientation and religion or belief outside the employment sphere, in the areas

of social protection, including social security and health care; education; and access to and supply of goods and

services which are commercially available to the public, including housing and transport.

 

The new directive would come on top of four other directives; one on discrimination based on racial or ethnic

origin, both within and outside the labour market; one on discrimination in the labour market; one on equal

treatment between men and women as regards access to employment; and one on equal treatment between men

and women as regards access to and supply of goods and services.

 

On the 2nd April 2009 the proposed directive was adopted by the European Parliament.

 

The Government Equalities Office ran a 12 week public consultation from 5 May to 28 July in 2009 on the

Commission’s Proposal. It has since published a summary of the responses.

 

Negotiations on the Directive are continuing in Europe.

 

Gender Directive

 

Article 5(2) of the Gender Directive allows Member States to permit differences relating to gender in respect of

insurance premiums and benefits if gender is a determining risk factor and that can be substantiated by relevant,

accurate, and regularly updated actuarial and statistical data.

 

st

On 1 March 2011,in its final ruling on the Test Achats case regarding the opt out in Article 5(2) of the Gender

Directive2004 the European Court of Justice(ECJ)declared Article 5(2) to be void with effect from 21

December 2012. As of this date, all Member States must consider the provision to be invalid. The ruling

applies from December 2012,however its impact on insurance contracts concluded prior to this date and on

those that remain in force beyond it is not yet clear.

 

Test Achats, the Belgian Consumer Association, originally brought their case, before the Belgian Constitutional

Court in 2009. They argued that the opt out provision in Article 5(2) was contrary to the principle of gender

equality as enshrined in primary Community law, and in particular to article 6(2) of the Treaty on European

Union**. The Belgian Constitutional Court referred the case to the ECJ.

 

The Advocate General gave her opinion to the ECJ on 30 September 2010 that the derogation should be

annulled.

 

 

 

IMPLICATIONS;

 

Car Insurance,Over a long period,Insurers calculated premiums based on whether a driver was male or female.although statics showed that there was little difference in the amount of accidents occurred between women and men,there is evidence to show that costs to address incidents by women for the Insurers were significantly less.

Young and new drivers are expected to be hit the hardest and already face high premiums.

Traditionally,drivers with no history gave women an upper hand as they were rated as a lower risk than male drivers.

A report from one leading Insurance company in July 2012,has revealed that insurance for a new male driver averaged £1060 more than that of a female in the 17-25 age group.

The new ruling means that this mode of decision making will be unlawful.

It is expected that young womens policies will rise,whilst young mens will fall slightly,and could see a 10% benefit.

 

Young women meanwhile could face increases of up to 25%.

As the December deadline approaches,It is a good idea for those women likely to be affected to sort out policies ASAP.

Another way of softening the blow is for drivers to consider telematics (Black Box technology)

which give scope for young drivers to prove their abilities as safe drivers,and enjoy discounts as a result.

 

LIFE INSURANCE

 

The ruling is likely to impact on life and health insurance too,since women have longer life expectancy than men.

Whilst there is not much information available at the moment,it is accepted that womens premiums are expected to rise,although not by the 25% expected in the case of young womens car insurance premiums.Index linked or guaranteed policies are unlikely to be affected.

Variable premiums however,could see an increase or decrease.

Some experts are suggesting that those with variable policies should think about switching to a fixed one,but consider that prices could go either way.

As always The CAG suggests that you seek independent expert advise before making any decisions.

 

 

HEALTH INSURANCE

 

Little changes are forecast,since women and men already pay similar rates,although women could see a small drop in payments for Income Protection Policies,which pay out for sickness,with men seeing a slight rise in policy payments.

Looking around for a better policy before December is an option for those who think they may benefit.

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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With regard to car Insurance, bear in mind that Insurers really do prefer young females, they're likely to have been reducing their premiums for females by extra amounts prior to December 2012 in order to bulk their customer bases out with females balance the extra risk of the male drivers. They will hope will renew the following years at the gender equivalent premiums.

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Meanwhile Sheilas' Wheels who offer Insurance for women have pledged to keep any increases to a minimum

 

 

http://www.guardian.co.uk/money/2012/oct/10/sheilas-wheels-car-insurance

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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If the Insurers managed to deal with all the dodgy claims they received, then they could keep premiums at a reasonable level for all genders.

 

Government, Insurers and Police should get together to see what they could do.

 

I witnessed the after events of a minor accident the other day. There appeared to be absolutely no damage to either car, but both drivers were swapping their Insurance details. I could see the driver of the car which had been bumped from behind with almost a smile on their face and eyes with cash registers showing. They were walking around the car, looking at it from underneath the back bumper to see if there were any cracks, dents etc. So no signs of any injury I bet that they will see their GP in the coming days complaining of a stiff neck and get a note so they can pursue a claim.

 

Unfortunately, I think there are a good percentage of people who now see every minor accident as a way to earn some money.

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Yes.

I think the average whiplash claim is 2k.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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